{"id":895758,"date":"2019-04-17T15:16:28","date_gmt":"2019-04-17T21:16:28","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895758"},"modified":"2019-04-17T15:16:35","modified_gmt":"2019-04-17T21:16:35","slug":"solar-panel-and-homeowner-insurance","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/solar-panel-and-homeowner-insurance\/","title":{"rendered":"Solar Power and Homeowners Insurance: Watts Up?"},"content":{"rendered":"\n<p>Kay Morgan | <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2019\/04\/articles\/insurance\/solar-power-and-homeowners-insurance-watts-up\/\">Property Insurance Coverage Law Blog<\/a> | April 14, 2019<\/p>\n\n\n\n<p>Nearly a year ago, California became the first state to mandate that all new homes have solar power.<sup>1<\/sup>&nbsp;The regulation becomes effective January 1, 2020. Under the new rules, individual homes must have rooftop solar panels or share a solar-power system with a group of homes. According to the New York Times, the California regulation is expected to add $8,000 to $12,000 to the cost of a new home.<sup>2<\/sup>&nbsp;Predictions are that the solar power will save heating and cooling costs as much as $80.00 a month, not to mention a positive cut to greenhouse gas emissions. Before taxes, an installed rooftop solar energy system can cost anywhere between $15,000 and $25,000 depending on size of kilowatts. Only time will tell if the economic advantage of having solar panels will outweigh the upfront costs of installation.<\/p>\n\n\n\n<p>The obvious question that follows from the above information is: are solar panels covered by homeowner\u2019s insurance? The answer to that question is \u201cyes\u201d it\u2019s included in most homeowner\u2019s insurance policies because most solar power panels are considered a permanent attachment to the home like a deck, security system or a patio. However, in some coastal states which experience frequent hurricanes and damage due to wind and flooding, solar panels may not typically be covered in the standard home insurance policy. In those states (coastal mainly) where there are numerous windstorms, hail storms or hurricanes, there are separate policies (like flood) from the standard homeowner\u2019s insurance policy to cover solar power panels. These states include: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, and Virginia.<\/p>\n\n\n\n<p>With an increase in a home\u2019s value with solar panels, comes an increase in premiums in most cases. Researchers that have investigated this issue recently, generally agree that the replacement costs associated with solar panels would likely result in an increase of homeowners\u2019 premiums. However, installation may be worth the increase in premiums\u2014for example, in California, where the installation of a 5kw (kilowatt) system, may see an average of $29,555 added to the retail value of a medium sized home. The National Renewable Energy Laboratory (<a href=\"https:\/\/www.nrel.gov\/docs\/fy08osti\/42733.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.nrel.gov\/docs\/fy08osti\/42733.pdf<\/a>) figures the increase in home value in a little different way: its research has found that for each additional $1 in energy bill savings from the solar system, will add $20 to the home\u2019s total value. Solar panel systems can be an excellent investment, reducing electricity bills while increasing the value of a home. For additional information on how solar panels will add value to a home, go to:&nbsp;<a href=\"https:\/\/www.costofsolar.com\/is-my-home-worth-more-with-solar-energy\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.costofsolar.com\/is-my-home-worth-more-with-solar-energy\/<\/a>.<\/p>\n\n\n\n<p>The important thing to remember if you are considering adding a solar system to your existing home or purchasing a new home with a solar system:&nbsp;<em><strong>Don\u2019t forget to call your insurance agent and\/or read your existing homeowner\u2019s policy (best to do both) to learn if such a solar system is covered or if you have to add coverage or raise the dwelling protection limits of your policy.<\/strong><\/em><br>_____________________________<br><sup>1<\/sup>&nbsp;This new regulation was approved by the California Energy Commission on May 9, 2018.&nbsp;<em>See<\/em><a href=\"https:\/\/smithsonianmag.com\/smart-news\/California-homes-built-after-2020-will-be-required-have-solar-panels-180969050\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/smithsonianmag.com\/smart-news\/California-homes-built-after-2020-will-be-required-have-solar-panels-180969050\/<\/a>.<br><sup>2<\/sup>&nbsp;<em>Id.<\/em>; In 2018, the California Association of Realtors predicted median home prices would increase to $561,020 in 2018. For comparison, the median price of a home in the US as a whole in 2018 was $337,200, The addition of solar panels in California is predicted to drive up the cost of each new home housing market by about $10,000.<\/p>\n\n\n\n<p><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kay Morgan | Property Insurance Coverage Law Blog | April 14, 2019 Nearly a year ago, California became the first state to mandate that all new homes have solar power.1&nbsp;The regulation becomes effective January 1, 2020. Under the new rules, individual homes must have rooftop solar panels or share a solar-power system with a group&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/solar-panel-and-homeowner-insurance\/\">Continue reading <span class=\"screen-reader-text\">Solar Power and Homeowners Insurance: Watts Up?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[9914],"tags":[9895,10593,5411],"class_list":["post-895758","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-insurance-coverage-disputes","tag-solar-panels","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Solar Power and Homeowners Insurance: Watts Up? - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"California became the first state to mandate that all new homes have solar power. 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